Loan calculator

Work out what a loan actually costs.

Punt provides financial education, not financial advice. For regulated advice, consult an authorised financial advisor or contact MABS (mabs.ie) for free money advice.

Loan amount

€5,000

Term (months)

3 years

APR

9.0%

Lender type

Label (optional)

Monthly payment

€159/ month

Total cost of credit

€5,724 total repaid

€724 in interest

Based on the details entered above.

Interest

Principal

Month 1

€38 interest / €122 principal

Month 18

€21 interest / €138 principal

Final month

€1 interest / €157 principal

A guide, not financial advice. Actual rates and terms vary by lender. Always check the lender's official quote before signing.